The U.S Mortgage Market :The Good,The Bad And The Ugly


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Corporate Authorship
Warren Coats, Consulatnt to BearingPoint Inc.

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USAID/Jordan Monitoring and Evaluation Support Program (MESP) USAID/Jordan Monitoring and Evaluation Support Program (MESP)
(Muna Mansour)

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SABEQ (Sustainable achievement of business expansion and quality)


This resource is part of the following collections:

Tags: Government Economic growth and development Financial institutions Housing finance Loans Investors Organizational structure Risk Aversion Pricing

Home ownership in the United States has flourished in part because of the availability
of mortgage loans that can be paid off with relatively low monthly payments over 20 to 30
years. Large amounts of funds are supplied to mortgages because banks and other mortgage
originators have been able to package and sell pools of mortgages (securitizations) to a wide
range of investors. This has been possible because of the standardization of underwriting
standards, and systems of public and private insurance. Securitization into mortgage backed
securities (MBS) and similar assets has also distributed the risk of mortgage loans widely and
to lenders better able to accept such risks.

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